Market Commentary 13329
June, 2013 Data:
12 MONTH FORECAST
The 12 month forecast for the 6 Month CD Interest Rate is in the table at the
top of this page. ForecastChart.com is forecasting that 6 month Certificate of
Deposit Rates will be roughly 0.26% in one year. The table shows a HDTFA of
0.08% which suggests that the July, 2014 rate could easily fall between 0.34%
and 0.18%. Forecasts for many other interest rates may be found by clicking
INTEREST RATE FORECAST at the top of this page.
5 YEAR FORECAST
Will the 6 Month Certificate of Deposit Interest Rate be higher or lower 5 years
from now?
Look at the table immediately below this paragraph. ForecastChart.com is
forecasting a probability of 31.7% that the 6 Month CD Interest Rate will be
higher in 5 years. The table shows a probability of 68.3% that the rate will be
lower in 5 years. (June, 2018 rate compared to the June, 2013 rate). 39 YEARS
of historical data were use to calculate probabilities for ForecastChart.com's 5
Year Forecast. Check this page each month for updates to the 5 Year
Forecast for the 6 Month Certificate of Deposit Interest Rate. The forecast may
change substantially as a result of movement in the indicators used in the
forecasting model.
Forecast Probability
Up 31.7%
Down 68.3%
Unchanged 0%
5 YEAR FORECAST: Various Rates
In 5 years, how high or how low is the 6 Month CD Rate likely to be?
The first line of the table below indicates that the probability of 6 Month CD
Interest Rates being ABOVE .34% in June, 2018 is 20%. The probability of 6
month Certificate of Deposit Rates being BELOW .34% in June, 2018 is 80%.
Probabilities for various other rates are shown as well.
Rate Above Below
.34% 20% 80%
.33% 21% 79%
.31% 22% 78%
.30% 25% 75%
.29% 27% 73%
.27% 28% 72%
.26% 32% 68%
.25% 34% 66%
.23% 36% 64%
.22% 38% 62%
.21% 40% 60%
.20% 41% 59%
.18% 48% 52%
HISTORICAL 6 MONTH CD RATE
Average (Last 12 Months) 0.32%.
Average (Last 10 Years) 2.19%
High (Last 12 Months) 0.46% (July, 2012)
Low (Last 12 Months) 0.26% (June, 2013)
High (Since June, 1964) 17.98% (August, 1981)
Low (Since June, 1964) 0.26% (June, 2013)
MONTHLY 6 MONTH CD RATE
Jul, 2012 0.46%
Aug, 2012 0.40%
Sep, 2012 0.37%
Oct, 2012 0.35%
Nov, 2012 0.33%
Dec, 2012 0.32%
Jan, 2013 0.29%
Feb, 2013 0.28%
Mar, 2013 0.27%
Apr, 2013 0.26%
May, 2013 0.26%
Jun, 2013 0.26%
HIGHLIGHTS
The 6 Month CD Interest Rate for June, 2013 averaged 0.26%. That's the same
as the May, 2013 rate, and 22 basis points lower than the June, 2012 rate of
0.48%. The stability of rates from May to June indicates that the short term rate
trend has been flat. If that market trend continues, we should see an average
daily rate in July, 2013 that is close to 0.26%.
The average 6 Month CD Rate for the last 12 months was 0.32%. The average
rate over the last 10 years was 2.19%. Lower rates over the last 12 months
compared to the average rates over the last 10 years serve as an indicator that
the long term rate trend in 6 Month CD Rates is down.
The highest annual rate over the last 12 months was 0.46%. The lowest was
0.26%. The high annual rate was attained in July, 2012. The market low was
achieved in June, 2013.
ForecastChart.com's historical research covers 6 Month CD Rate data back to
June, 1964. The average annual rate during that period of history was 6.01%.
The highest rate was 17.98%. The lowest rate was 0.26%. The market high
was attained in August of 1981. The market low was achieved in June of 2013.
Recent rates experienced in June of 2013 are low relative to the historical
6.01% average.
This page provides a five year chart and a forecast for 6 Month CD Interest
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 6 month Certificate of Deposit Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 6 Month Certificate of
Deposit Interest Rate in numerical format.
Market Commentary 13253
May, 2013 Data:
12 MONTH FORECAST
The 12 month forecast for the 6 Month CD Interest Rate is in the table at the
top of this page. ForecastChart.com is forecasting that 6 month Certificate of
Deposit Rates will be roughly 0.26% in one year. The table shows a HDTFA of
0.08% which suggests that the June, 2014 rate could easily fall between 0.34%
and 0.18%. Forecasts for many other interest rates may be found by clicking
INTEREST RATE FORECAST at the top of this page.
5 YEAR FORECAST
Will the 6 Month Certificate of Deposit Interest Rate be higher or lower 5 years
from now?
Look at the table immediately below this paragraph. ForecastChart.com is
forecasting a probability of 31.8% that the 6 Month CD Interest Rate will be
higher in 5 years. The table shows a probability of 68.2% that the rate will be
lower in 5 years. (May, 2018 rate compared to the May, 2013 rate). 39 YEARS
of historical data were use to calculate probabilities for ForecastChart.com's 5
Year Forecast. Check this page each month for updates to the 5 Year
Forecast for the 6 Month Certificate of Deposit Interest Rate. The forecast may
change substantially as a result of movement in the indicators used in the
forecasting model.
Forecast Probability
Up 31.8%
Down 68.2%
Unchanged 0%
5 YEAR FORECAST: Various Rates
In 5 years, how high or how low is the 6 Month CD Rate likely to be?
The first line of the table below indicates that the probability of 6 Month CD
Interest Rates being ABOVE .34% in May, 2018 is 20%. The probability of 6
month Certificate of Deposit Rates being BELOW .34% in May, 2018 is 80%.
Probabilities for various other rates are shown as well.
Rate Above Below
.34% 20% 80%
.33% 21% 79%
.31% 22% 78%
.30% 25% 75%
.29% 27% 73%
.27% 28% 72%
.26% 32% 68%
.25% 34% 66%
.23% 36% 64%
.22% 38% 62%
.21% 40% 60%
.20% 41% 59%
.18% 48% 52%
HISTORICAL 6 MONTH CD RATE
Average (Last 12 Months) 0.34%.
Average (Last 10 Years) 2.20%
High (Last 12 Months) 0.48% (June, 2012)
Low (Last 12 Months) 0.26% (May, 2013)
High (Since June, 1964) 17.98% (August, 1981)
Low (Since June, 1964) 0.26% (May, 2013)
MONTHLY 6 MONTH CD RATE
Jun, 2012 0.48%
Jul, 2012 0.46%
Aug, 2012 0.40%
Sep, 2012 0.37%
Oct, 2012 0.35%
Nov, 2012 0.33%
Dec, 2012 0.32%
Jan, 2013 0.29%
Feb, 2013 0.28%
Mar, 2013 0.27%
Apr, 2013 0.26%
May, 2013 0.26%
HIGHLIGHTS
The 6 Month CD Interest Rate for May, 2013 averaged 0.26%. That's the same
as the April, 2013 rate, and 20 basis points lower than the May, 2012 rate of
0.46%. The stability of rates from April to May indicates that the short term rate
trend has been flat. If that market trend continues, we should see an average
daily rate in June, 2013 that is close to 0.26%.
The average 6 Month CD Rate for the last 12 months was 0.34%. The average
rate over the last 10 years was 2.20%. Lower rates over the last 12 months
compared to the average rates over the last 10 years serve as an indicator that
the long term rate trend in 6 Month CD Rates is down.
The highest annual rate over the last 12 months was 0.48%. The lowest was
0.26%. The high annual rate was attained in June, 2012. The market low was
achieved in May, 2013.
ForecastChart.com's historical research covers 6 Month CD Rate data back to
June, 1964. The average annual rate during that period of history was 6.02%.
The highest rate was 17.98%. The lowest rate was 0.26%. The market high
was attained in August of 1981. The market low was achieved in May of 2013.
Recent rates experienced in May of 2013 are low relative to the historical 6.02%
average.
This page provides a five year chart and a forecast for 6 Month CD Interest
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 6 month Certificate of Deposit Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 6 Month Certificate of
Deposit Interest Rate in numerical format.
Market Commentary 13177
April, 2013 Data:
12 MONTH FORECAST
The 12 month forecast for the 6 Month CD Interest Rate is in the table at the
top of this page. ForecastChart.com is forecasting that 6 month Certificate of
Deposit Rates will be roughly 0.26% in one year. The table shows a HDTFA of
0.09% which suggests that the May, 2014 rate could easily fall between 0.35%
and 0.18%. Forecasts for many other interest rates may be found by clicking
INTEREST RATE FORECAST at the top of this page.
5 YEAR FORECAST
Will the 6 Month Certificate of Deposit Interest Rate be higher or lower 5 years
from now?
Look at the table immediately below this paragraph. ForecastChart.com is
forecasting a probability of 32.0% that the 6 Month CD Interest Rate will be
higher in 5 years. The table shows a probability of 68.0% that the rate will be
lower in 5 years. (April, 2018 rate compared to the April, 2013 rate). 39 YEARS
of historical data were use to calculate probabilities for ForecastChart.com's 5
Year Forecast. Check this page each month for updates to the 5 Year
Forecast for the 6 Month Certificate of Deposit Interest Rate. The forecast may
change substantially as a result of movement in the indicators used in the
forecasting model.
Forecast Probability
Up 32%
Down 68%
Unchanged 0%
5 YEAR FORECAST: Various Rates
In 5 years, how high or how low is the 6 Month CD Rate likely to be?
The first line of the table below indicates that the probability of 6 Month CD
Interest Rates being ABOVE .34% in April, 2018 is 20%. The probability of 6
month Certificate of Deposit Rates being BELOW .34% in April, 2018 is 80%.
Probabilities for various other rates are shown as well.
Rate Above Below
.34% 20% 80%
.33% 21% 79%
.31% 22% 78%
.30% 25% 75%
.29% 27% 73%
.27% 28% 72%
.26% 32% 68%
.25% 34% 66%
.23% 36% 64%
.22% 38% 62%
.21% 40% 60%
.20% 41% 59%
.18% 48% 52%
HISTORICAL 6 MONTH CD RATE
Average (Last 12 Months) 0.36%.
Average (Last 10 Years) 2.21%
High (Last 12 Months) 0.48% (June, 2012)
Low (Last 12 Months) 0.26% (April, 2013)
High (Since June, 1964) 17.98% (August, 1981)
Low (Since June, 1964) 0.26% (April, 2013)
MONTHLY 6 MONTH CD RATE
May, 2012 0.46%
Jun, 2012 0.48%
Jul, 2012 0.46%
Aug, 2012 0.40%
Sep, 2012 0.37%
Oct, 2012 0.35%
Nov, 2012 0.33%
Dec, 2012 0.32%
Jan, 2013 0.29%
Feb, 2013 0.28%
Mar, 2013 0.27%
Apr, 2013 0.26%
HIGHLIGHTS
The 6 Month CD Interest Rate for April, 2013 averaged 0.26%. That's 1 basis
points lower than the March, 2013 rate of 0.27%, and 21 basis points lower
than the April, 2012 rate of 0.47%. The fall in rates from March to April
indicates that the short term rate trend has been down. If that market trend
continues, we should see an average daily rate in May, 2013 that is close to
0.25%.
The average 6 Month CD Rate for the last 12 months was 0.36%. The average
rate over the last 10 years was 2.21%. Lower rates over the last 12 months
compared to the average rates over the last 10 years serve as an indicator that
the long term rate trend in 6 Month CD Rates is down.
The highest annual rate over the last 12 months was 0.48%. The lowest was
0.26%. The high annual rate was attained in June, 2012. The market low was
achieved in April, 2013.
ForecastChart.com's historical research covers 6 Month CD Rate data back to
June, 1964. The average annual rate during that period of history was 6.03%.
The highest rate was 17.98%. The lowest rate was 0.26%. The market high
was attained in August of 1981. The market low was achieved in April of 2013.
Recent rates experienced in April of 2013 are low relative to the historical
6.03% average.
This page provides a five year chart and a forecast for 6 Month CD Interest
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 6 month Certificate of Deposit Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 6 Month Certificate of
Deposit Interest Rate in numerical format.
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Historical 6 Month CD Interest Rates









1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978

4.43 5.63 5.21 6.00 7.89 7.66 5.22 5.02 8.31 9.98 6.89 5.62 5.92 8.61




1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992

11.44 12.99 15.77 12.57 9.27 10.68 8.25 6.51 7.00 7.90 9.08 8.17 5.91 3.76





1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

3.28 4.96 5.98 5.47 5.72 5.44 5.46 6.58 3.64 1.81 1.17 1.74 3.72 5.23





2007 2008 2009 2010 2011 2012

5.23 3.14 0.88 0.44 0.42 0.44






Average annual rates for the 6 Month CD are shown in this table: 1965 to present






Average daily rate per month for 6 month CD rates is shown in gray. The forecast for the target
month is shown in green.
6 Month CD Rate  Certificate of Deposit  5 Year History

6 Month CD Interest Rate Forecast





Forecast for the average daily interest rate for the 6 month CD during the target month shown at the left. (Certificate of Deposit interest rate)





Updated Thursday, August 15, 2013..



6 Month CD Interest Rate Forecast (Certificate of Deposit)

Current Analysis & Forecast: 6 Month CD Interest Rate
1/08 1/2009 1/2010 1/2011 1/2012 1/2013 1/2014 1/15